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Re: Comcast's XFINITIWIFI

I noticed an XfinitiWifi hot spot in the parking lot of the nearby Walgreens. I also use Xfiniti/Comcast but have my own modem and router. I think it was a bad idea to have this turned on by default - do you really want strangers using your modem even if it is allegedly firewalled?
by BigFoot48
Sat Dec 13, 2014 12:58 pm
 
Forum: Personal Consumer Issues
Topic: Comcast's XFINITIWIFI
Replies: 29
Views: 2290

Re: A puzzle about Social Security

If there's even a slight chance A&U might have to start keeping those funds for any reason I would go for starting at 62. She'll likely get the funds tax-free, and if smart will be investing them, so I think sooner is better anyway and it's a go for 62! (We started ours at 62 (pre "buy-an-a...
by BigFoot48
Wed Dec 10, 2014 5:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: A puzzle about Social Security
Replies: 43
Views: 2867

Re: Retiree Portfolio Model

But my wife also has a variable annuity that I'd like to be able to figure out how to include in the planning. What would be an appropriate way to model this, and possibly compare alternative options in terms of what I do with that annuity? I really like the inputs for the Roth conversion section w...
by BigFoot48
Wed Dec 10, 2014 1:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: Retiree Portfolio Model
Replies: 149
Views: 38809

Re: Retiree Portfolio Model

Bigfoot48, Here's a little more on the Restricted Application 50% number: http://www.bogleheads.org/forum/viewtopic.php?f=2&t=123764 ...theta (not sure I inserted that url correctly, but you get the idea) Well, the very learned people that responded to that thread did not disagree with the OP t...
by BigFoot48
Sat Dec 06, 2014 4:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: Retiree Portfolio Model
Replies: 149
Views: 38809

Re: Retiree Portfolio Model

theta, I'm glad you are finding the model useful. You are describing the "restricted application" (RA) strategy. BH Mike Piper discusses it and the other strategies for married couples in this article. (In fact his RA example reads like yours!). http://www.obliviousinvestor.com/social-secu...
by BigFoot48
Sat Dec 06, 2014 1:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: Retiree Portfolio Model
Replies: 149
Views: 38809

Re: Early Retirement Roth Conversions

You also might want to try my Retiree Portfolio Model that does social security, conversions, RMD and tax calculations (excluding precise cap gains and qualified dividends) and can give a good overview of most situations. I just checked it against Taxcaster and they were in agreement for example 201...
by BigFoot48
Wed Dec 03, 2014 6:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: Early Retirement Roth Conversions
Replies: 11
Views: 1396

Re: What did you do your first day of retirement?

I put my watch in the long term storage drawer.
by BigFoot48
Mon Dec 01, 2014 2:08 pm
 
Forum: Personal Consumer Issues
Topic: What did you do your first day of retirement?
Replies: 10
Views: 1286

Re: Holding S&P 500 Index vs Total Stock Market?

I bought the Schwab S&P 500 fund (SWPPX) when I retired in 1998 to be my US stock holding, primarily because trades were commission free and I was still making contributions to it, and anticipated withdrawals to fund retirement needs. I considered adding the extended market fund that would give ...
by BigFoot48
Mon Dec 01, 2014 1:35 pm
 
Forum: Investing - Theory, News & General
Topic: Holding S&P 500 Index vs Total Stock Market?
Replies: 18
Views: 1804

Re: Retiree Portfolio Model

Keith, thanks for your offer, as viewing the model from a new user's point of view becomes more difficult as time goes on. Feel free to PM me with any suggestions! I intended for the model to be for retirees (as it started out as my model) and want to keep it as simple as possible (may have crossed ...
by BigFoot48
Sat Nov 29, 2014 3:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: Retiree Portfolio Model
Replies: 149
Views: 38809

Re: Retiree Portfolio Model

the "Taxable Account Balances" plot has the base as blue dots, the full as red dots; but all the other charts on that page seem to be just the opposite. Is there something I am doing wrong to get it to use the survivor benefit? Does it include the case of taking long term captial gains at...
by BigFoot48
Wed Nov 26, 2014 9:58 am
 
Forum: Investing - Help with Personal Investments
Topic: Retiree Portfolio Model
Replies: 149
Views: 38809

Re: Social Security 62 vs 66

celia wrote:age---monthly benefit
62----680
63----760
64----840
65----920
66---1000
67---1080
68---1160
69---1240
70---1320

I think you may have used the wrong factors. Check this: http://www.ssa.gov/retirement/1943.html
by BigFoot48
Sun Nov 23, 2014 7:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: Social Security 62 vs 66
Replies: 58
Views: 5445

Re: Retiree Portfolio Model

I have another question about how to best use the spreadsheet. What is the right way to model those scenarios? Interesting use of it. The warning can be ignored. It merely reminds the user that no matter what start year you put in, the first year will use the current calendar year's Federal tax rat...
by BigFoot48
Wed Nov 19, 2014 11:07 am
 
Forum: Investing - Help with Personal Investments
Topic: Retiree Portfolio Model
Replies: 149
Views: 38809

Re: Retiree Portfolio Model

I have been turning those off to have a cleaner appearance to certain pages, but you can turn those back on by selecting Tools > Options and checking Row and Column Headings and Gridlines. Each page has independent settings. The 15.x model will have macros and I will see if I can automate that proce...
by BigFoot48
Tue Nov 11, 2014 2:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: Retiree Portfolio Model
Replies: 149
Views: 38809

Re: Anyone use finance s/ware Quicken/MoneyDance etc ?

It may be worth testing the "sunset" version of Microsoft Money. It's available as a free download from MS. I've migrated over from my ancient version of Quicken, and am quite happy with it. That's what I've been using for years and very happy with it. Good income and expenses reports, tr...
by BigFoot48
Sat Nov 08, 2014 3:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: Anyone use finance s/ware Quicken/MoneyDance etc ?
Replies: 23
Views: 1180

Re: Social Security: File & Suspend, File & Restrict, etc.

This is one of the best summaries of the file and suspend/restrict alternatives I've seen, by Boglehead Mike Piper. http://www.obliviousinvestor.com/social-security-strategies-for-married-couples/ (I'm trying to incorporate all these options into my Retiree Portfolio Model - having lots of "fun...
by BigFoot48
Fri Nov 07, 2014 10:49 am
 
Forum: Personal Finance (Not Investing)
Topic: Social Security: File & Suspend, File & Restrict, etc.
Replies: 9
Views: 997

Re: Cash - Throw it on the table!

I just looked at my Schwab brokerage account where about half of my cash, i.e. Money Market fund, is located. I also have a Vanguard Short Term Bond ETF (BSV) there, which is what I use as a higher return, low risk taxable account investment. For the last three months MM and ETF have had about the s...
by BigFoot48
Wed Nov 05, 2014 1:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: Cash - Throw it all on the table!!!
Replies: 51
Views: 3812

Re: Cash - Throw it on the table!

I tend to be a bit lazy about properly managing my money market accounts and noticed at the end of last month they represented about 3.8% of my portfolio, or some two years of spending needs (over SS income). I'd like that to be more like one year so one of these days I'm going to get that invested ...
by BigFoot48
Wed Nov 05, 2014 10:45 am
 
Forum: Personal Finance (Not Investing)
Topic: Cash - Throw it all on the table!!!
Replies: 51
Views: 3812

Re: Money saved by buying a hybrid or electric car?

The C-Max seats five adults.
by BigFoot48
Tue Nov 04, 2014 1:21 pm
 
Forum: Personal Consumer Issues
Topic: Money saved by buying a hybrid or electric car?
Replies: 81
Views: 6437

Re: Money saved by buying a hybrid or electric car?

I am considering a Prius vs Prius plug in. I don't have a garage. Thank you! You might also want to look at the Ford C-Max as people on the C-Max forum who own both report that they much prefer the C-Max. As for my C-Max Energi plug-in, I get 20-25 miles running on the battery and at $0.11kWh I hav...
by BigFoot48
Tue Nov 04, 2014 10:11 am
 
Forum: Personal Consumer Issues
Topic: Money saved by buying a hybrid or electric car?
Replies: 81
Views: 6437

Re: The millionth question about what to do with cash.

Although its not clear how it would fit with your allocation that you're satisfied with, I would put it in the Vanguard Total Bond Fund which has a current yield of 2.58% (SEC 1.99%). You have plenty of time to weather any short-term dip in the NAV should rates rise, while benefiting from the higher...
by BigFoot48
Sun Nov 02, 2014 3:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: The millionth question about what to do with cash.
Replies: 23
Views: 4176

Re: IRS letter claiming return is late - anyone experience t

I'll close my loop (a few posts above) too as I'm at the MIL's house today looking at her latest CP2000 that resulted from my response to the first one in August. In that response I sent a revised Schedule D and forms 8949 and 1099-D documenting her mutual fund sale that had not been reported by her...
by BigFoot48
Wed Oct 29, 2014 12:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: IRS letter claiming return is late - anyone experience this?
Replies: 51
Views: 7261

Re: Retiree Portfolio Model

I decided to try to model this in a slightly different way. I entered just the delta between the income and expense as one time events ... two of them as "negative income" and 2 of them as "expenses". That seems to be making reasonable changes in the results. Is there anything I...
by BigFoot48
Sun Oct 26, 2014 2:42 am
 
Forum: Investing - Help with Personal Investments
Topic: Retiree Portfolio Model
Replies: 149
Views: 38809

Re: Retiree Portfolio Model

You could use the Roth IRA account to represent the 529 account since withdrawals are not taxed and set the withdrawals to cover the 4 year period. The temporary expense bump is more of a problem. The model can increase (or decrease) expenses at a specified year, but there's no way to reduce them ba...
by BigFoot48
Sat Oct 25, 2014 1:36 am
 
Forum: Investing - Help with Personal Investments
Topic: Retiree Portfolio Model
Replies: 149
Views: 38809

Re: Retiree Portfolio Model

A new version of the model is now available. A PM by a user asked me about a schedule which lead me to discover a programing error with the new asset class earnings rates. This error was impacted the change year feature by using the changed year rates in the beginning years and the beginning rates a...
by BigFoot48
Fri Oct 24, 2014 3:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: Retiree Portfolio Model
Replies: 149
Views: 38809

Re: Retiree Portfolio Model

You can change the setting in Options to exclude income taxes if you want but the model will do a good job of forecasting taxes over the years such as when RMDs start.
by BigFoot48
Fri Oct 24, 2014 2:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: Retiree Portfolio Model
Replies: 149
Views: 38809

Re: Retiree Portfolio Model

There are no dumb questions - only dumb programming mistakes but let's not talk about those. There are a few things you need to consider: 1. Income taxes are in addition to the expenses you enter, so those are adding to your total spending. And with $50,000 in IRA withdrawals and your pension taxes ...
by BigFoot48
Fri Oct 24, 2014 9:05 am
 
Forum: Investing - Help with Personal Investments
Topic: Retiree Portfolio Model
Replies: 149
Views: 38809

Re: How often do you change your car's oil?

My C-Max Energi requires it changed every 2 years or 20,000 miles, or when the service message appears. Looks like it will be 2 years. Dip stick is still at the same level after 11,000 miles.

But in my previous ICE vehicles I used Mobil 1 and changed every 5,000-8,000 or so.
by BigFoot48
Thu Oct 23, 2014 11:10 pm
 
Forum: Personal Consumer Issues
Topic: How often do you change your car's oil?
Replies: 168
Views: 12225

Re: Gross Yearly Income needed in Retirement (Speculation)

-You own a house and it's paid for free and clear - CHECK -You own cars outright - CHECK -You have no debt of any kind whatsoever - CHECK -You want to live a middle to upper middle class lifestyle in retirement - CHECK -You'd like to be able to travel several times a year - CHECK -You'd like to be ...
by BigFoot48
Tue Oct 21, 2014 11:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: Gross Yearly Income needed in Retirement (Speculation)
Replies: 159
Views: 13111

Re: Retiree Portfolio Model

A person using the model with slightly different data than the test data has found a problem with an error checking field and a first-year RMD amount for the traditional IRA 2 entry when the IRA is $0. I also found an additional problem with this one calculation if the RMD occurs in the first year o...
by BigFoot48
Wed Oct 15, 2014 7:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: Retiree Portfolio Model
Replies: 149
Views: 38809

Re: Headed for a 300+ point loss today?

I just took a quick look at my portfolio, which is mainly in ETFs, and see that Total Bond Fund has nicely negated most of the negatives in the stock funds so far today (overall down 0.12% as of this second). Let's hear it for keeping your allocation adjusted to your risk tolerance!
by BigFoot48
Wed Oct 15, 2014 11:25 am
 
Forum: Investing - Theory, News & General
Topic: Headed for a 300+ point loss today?
Replies: 464
Views: 36381

Re: Clothes Dryer drying very slowly

A dryer story. Earlier this year I was at my mother-in-law's house, where my in-laws had lived since about 1995. A Del Webb home build in about 1990. The cable guy was out installing HD and climbed up to look into the attic from the garage and said "Oh my god" when he poked his head throug...
by BigFoot48
Wed Oct 15, 2014 1:28 am
 
Forum: Personal Consumer Issues
Topic: Clothes Dryer drying very slowly
Replies: 24
Views: 2002

Re: Relatively new here. What did you do in 2008/09

Fallible wrote:Which means you discovered a new risk tolerance and went with it, a wise move.

Exactly right. It was a 28% drop I had from top to bottom over 15 months, and I got a clear message from that of what my risk tolerance should be going forward.
by BigFoot48
Tue Oct 14, 2014 8:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: Relatively new here. What did you do in 2008/09
Replies: 130
Views: 10162

Re: Relatively new here. What did you do in 2008/09

subham wrote:why didnt you go back to 60-40? Thats how you would have made ton of money after recovery.

Preferred sleeping well in my retirement and didn't really need a ton of money - had enough. I have decided to continue at about 40% stocks for many more years, and likely will never go below 30%.
by BigFoot48
Tue Oct 14, 2014 6:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: Relatively new here. What did you do in 2008/09
Replies: 130
Views: 10162

Re: Relatively new here. What did you do in 2008/09

We were 10 years into retirement in 2008. Portfolio was at about 60% stock, 40% bonds/cash. Then the bad things started happening and it ended up at 45%/55%, and down about 28% (Oct 2007 - Feb 2009). The only thing I did was look at my withdrawal rate and amount and started planning for how a reduce...
by BigFoot48
Tue Oct 14, 2014 6:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: Relatively new here. What did you do in 2008/09
Replies: 130
Views: 10162

Re: Retired and end of month checking account balance?

I'm all-in with Schwab and even though they will automatically move money into the checking account to cover over-drafts, I prefer to do it myself so I keep about $2,000 in it, but sometimes it grows to $5,000 and I have to move money back to the brokerage account as I would just hate to give up the...
by BigFoot48
Sun Oct 12, 2014 1:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Retired and end of month checking account balance?
Replies: 21
Views: 2514

Re: Relocating to a tax free state with good weather need ad

Phoenix Sun City's. No school taxes in the property tax (maybe not in the newer sections), making them especially low. MIL pays about $800/yr on a $200,000 house in Sun City West.

Rarely if ever gets below freezing. No estate tax.
by BigFoot48
Sun Oct 12, 2014 12:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Relocating to a tax free state with good weather need advice
Replies: 53
Views: 3671

Re: What have you done to cut costs this year?

The last haircut I paid for was in 1969 for our wedding. This early adoption of best practices has lead to me saving $100? a year in present time.

{Tip of the hat to VictoriaF!]
by BigFoot48
Sat Oct 11, 2014 4:42 pm
 
Forum: Personal Consumer Issues
Topic: What have you done to cut costs this year?
Replies: 134
Views: 12380

Re: Spreadsheet for Rebalancing Bands

I have a spreadsheet that I update monthly with the current balances and monthly income by fund. A section summarizes that data by the 5%/25% bands and I look at that. If it indicates one of more funds should be rebalanced I take note it but defer any action for 2-4 more months of similar findings t...
by BigFoot48
Sat Oct 11, 2014 10:14 am
 
Forum: Investing - Theory, News & General
Topic: Spreadsheet for Rebalancing Bands
Replies: 18
Views: 2014

Re: it will take me about 38 years to reach $1M at this rate

I had a late start.. i am 40. its been about 9 months since i opened a Roth account with vanguard(VASGX). i figured If i invest $5,500 every year and earn, say, 7% annually, I would have a balance of just over $1 million in roughly 38 years :oops: . Stay the course everyone says. Given these volati...
by BigFoot48
Fri Oct 10, 2014 5:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: it will take me about 38 years to reach $1M at this rate
Replies: 25
Views: 3356

Re: What have you done to cut costs this year?

We cancelled our Directv HBO option that was costing nearly $200 a year. For that much we can save money by just watching the few series of interest via streaming or time-shifted to Red Box. Still on $7/mo Tracfone cellular but now have a smartphone that cost $90. Glad to have remote Internet when I...
by BigFoot48
Fri Oct 10, 2014 9:58 am
 
Forum: Personal Consumer Issues
Topic: What have you done to cut costs this year?
Replies: 134
Views: 12380

Re: Retiree Portfolio Model

A new version is now available. This is being released to fix several problems in the calculation of Social Security benefits. While these problems will not impact couples with independent SS benefits or singles, it may affect those analyzing starting benefits at age 62 or using the automatic spousa...
by BigFoot48
Thu Oct 09, 2014 8:50 am
 
Forum: Investing - Help with Personal Investments
Topic: Retiree Portfolio Model
Replies: 149
Views: 38809

Re: Retirees only, what was you average investment return?

It was, apparently, enough, but living below our means for 30 years helped insure that.
by BigFoot48
Wed Oct 08, 2014 3:14 pm
 
Forum: Investing - Theory, News & General
Topic: Retirees only, what was you average investment return?
Replies: 49
Views: 3571

Re: I am surely doing something wrong (FireCalc question)

hcj wrote:I will try some of the other calculators mentioned upthread so I can get a better answer. Do you have one you use/like/recommend?

Try mine. I use it and like it and recommend it! Retiree Portfolio Model
by BigFoot48
Mon Oct 06, 2014 12:38 am
 
Forum: Personal Finance (Not Investing)
Topic: I am surely doing something wrong (FireCalc question)
Replies: 45
Views: 4409

Re: Just need to vent

So he didn't want to show the details of the up to $1.3 million in annuities he has put them into? How not surprising. As for the obscenity of twenty-three funds, no doubt Edward Jones promotes that strategy to its employees which is a good reason to avoid this firm like the plague.
by BigFoot48
Sun Oct 05, 2014 6:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: Just need to vent
Replies: 16
Views: 3564

Re: Slingbox to "Wire" TV two floors away?

I would think the OTA antenna solution would work for the grandparents watching the 10PM news. Also consider just running a temporary cable (coax, HDMI) out/in the windows up the side of the house for their temporary visits.
by BigFoot48
Sun Oct 05, 2014 8:52 am
 
Forum: Personal Consumer Issues
Topic: Slingbox to "Wire" TV two floors away?
Replies: 22
Views: 2254

Re: Moving to 3-fund - requires realizing large capital gain

Sell 30-50% now, you may or may not have opportunity to have some capital losses later this year to harvest against your gains. Sell more at beginning of next year, you'll have a full tax year's worth of time to look for opportunities to tax loss harvest. I don't have a big taxable account, so I ma...
by BigFoot48
Sat Oct 04, 2014 12:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: Moving to 3-fund - requires realizing large capital gains
Replies: 34
Views: 2382

Re: Moving to 3-fund - requires realizing large capital gain

Just splitting the capital gains impact, assuming all other things are equal, and getting the transition to 3-fund done in three months.

I see my "sell half" was not very accurate. What I meant was sell enough so that half of the capital gains are realized.
by BigFoot48
Sat Oct 04, 2014 11:39 am
 
Forum: Personal Finance (Not Investing)
Topic: Moving to 3-fund - requires realizing large capital gains
Replies: 34
Views: 2382

Re: Moving to 3-fund - requires realizing large capital gain

People have suggested I wait until the next market correction to reduce the tax burden, but this seems like a poor deal. That is incredibly poor advice. What could they possibly be thinking? I would sell half this year, Monday would be good, and hope the market stays generally at this level and pla...
by BigFoot48
Sat Oct 04, 2014 10:02 am
 
Forum: Personal Finance (Not Investing)
Topic: Moving to 3-fund - requires realizing large capital gains
Replies: 34
Views: 2382

Re: Retirement Portfolio Suggestions

As far as the retirement portfolio, as you suggest, I can probably use the S&P 500 (in the 401k) as part of the total stock market index piece and be close enough. Is there any need to buy the International Bond Market index as part of the bond allocation? Close enough is almost always close en...
by BigFoot48
Fri Oct 03, 2014 8:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: Retirement Portfolio Suggestions
Replies: 13
Views: 1536
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